Worldline - Registration Document 2016

Business The Group’s business

SEPAValueAdded Services The Group offers a full set of SEPA value added services and a complete SEPA payment service suite around their business solutions, which gives financial institutions the freedom to build model. Debtor and Creditor Bank Modules; provide user-friendly, ● web-based options for R-transactions (e.g. rejects, refusals), transaction costs. The services also allows financial allowing to fully control direct debits and lower total and settlement blocks, settlement caps, and the facility to institutions to minimize risks thanks to enhanced clearing bank blocks; define blocks such as country blocks, collection blocks and service for queries concerning processed transactions; Support services; the Group offers an effective inquiry ● benefits of comprehensive reports, including positive Reporting services; financial institutions can reap the ● settlement, positive validation, positive cancellation and recap clearing; Specific business services; services such as character ● enhancement of error codes; filtering, calculations of refund compensation and as BIC/IBAN validation, account validation and bank Country-specific Value Added Services (VAS); services such ● switching services; A few examples of clients are: OP, ABN AMRO. Payments Processing Back-Office Solutions solutions that allows financial institutions to outsource their The Group has an extensive portfolio of secure, cost-efficient institutions to substantially reduce their total cost of ownership back-office processing for payments. This enables financial pace of change in the payments industry (new innovative while relieving them of the burden to keep up with increasing comprehensive portfolio includes the following services: payment instruments, new regulations, etc.). The Group payments; Mass Payment Processing; SEPA and domestic non-SEPA ● Multi-Currency Payment Processing; Cross-border payments ● payments with currency conversion; (with or without currency conversion) and domestic export and import check collection processing; International check collection; a full service portfolio for both ● urgent payments via TARGET2 or EURO1; High-Value Payment Processing; processing high value and ● processing, connectivity services, manual handling. Additional services like archiving, embargo and FATF ● A few examples of clients are: DZ Bank, LBBW, SEB.

Corporate Payments which enables corporates and service agencies to submit Corporate Payment Services (CPS) is a convenience service transfers and SEPA direct debits for multiple banks in a single directly to equensWorldline large volumes of SEPA credit message and file format via a single type of connectivity. The Group offers CPS to service agencies & financial institutions and they offer it to corporates. A few examples of clients are: Bank of America Merrill Lynch International, Citibank, BNP Paribas. Payment Innovations and governments are changing driven by regulation, digitization The behaviors and payments needs of consumers, businesses blockchain, biometrics and tokenization). Payment users expect and new technologies (incl. near-field communication, branches, internet and mobile – with real-time access to and a single user experience across multiple channels – POS, ATM, at the highest levels of privacy and security. These control over their payment transactions and account balances developments support new business models and payment domain are: access to account (XS2A) and instant payments. innovations. Two examples thereof in the payment processing model and use XS2A to accelerate their digital transformation. incumbent banks if they adapt their business and operating disruption of incumbent banks by flexible and innovative service allow third parties access. Access to account can lead to providers, but it also provides business opportunities for compliant to the revised PSD2 by offering a standardized XS2A The Group not only supports financial institutions in being banking-as-a-platform to financial institutions by providing Third solution and harmonized processes, but actively supports (APIs) in a developer portal and integration tools for merchant Party Provider services with Application Programming Interfaces mandated in PSD2, driving innovation, as for instance, age websites. Services can easily be extended beyond those The revised EU Payment Service Directive (PSD2) caters for this means that banks need to open up their infrastructure and access to bank accounts by third party providers. Specifically, Instant Payments Across whole Europe and even beyond, the banking sector is funds take up to one business day or more to be available on a developing new infrastructures for instant payments. Whereas payments are used, instant payments are processed within payee’s account when credit transfers, direct debits or card models such as mobile P2P. seconds. Instant payments enable new innovative service Access toAccount (XS2A) verification or address verification services.

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Worldline 2016 Registration Document